Our client owned a beautiful prime property in the heart of central London, valued at £18 million. As a long-standing client with a diverse global investment portfolio, they wanted to release capital tied up in their London residence to fund several new opportunities abroad.
The challenge was clear: release substantial equity while maintaining ownership and ensuring the lending structure complemented their broader wealth strategy. High street lenders were not equipped to handle the complexity of their financial profile or the scale of his borrowing needs. Our client needed a discreet, efficient and bespoke million plus pound refinancing solution.
Understanding the Challenge
Equity release at this level requires more than a standard mortgage approach. Our client’s goal was to unlock part of the value of their property without selling it, allowing them to reinvest in overseas ventures and other long-term projects.
Their financial background was complex. They held multiple income streams across jurisdictions, including dividend income, international business interests and property holdings in both the UK and Europe. This meant that most traditional lenders could not accurately assess his affordability or asset position within their standard frameworks.
The property itself also presented a unique challenge. As a high-value, unencumbered asset, it required a lender who could comfortably handle multi-million-pound exposure while offering terms flexible enough to fit the clients investment timetable.
Building the Right Solution
We began by conducting a full review of the client’s portfolio, assessing assets, liquidity, and cash flow forecasts. We then created a detailed financial profile to demonstrate both the clients stability and long-term earning capacity.
Our next step was to identify a private bank that could offer not just the right loan size but the right level of sophistication. Drawing on our network of private lenders, we engaged with a banking partner experienced in handling ultra-high-value London property.
We presented a tailored case that emphasised our clients global income consistency, asset diversification and excellent credit history. Because of our established relationship with the bank, we were able to negotiate terms that reflected the clients true wealth position, rather than relying solely on conventional income verification.The result was a refinancing facility secured against the £18 million London property, structured with a strong loan-to-value ratio that released substantial equity while preserving the clients long-term ownership. The facility offered a competitive interest rate and flexible repayment terms that aligned with the clients broader investment strategy.
The Result
Within a short period, the refinance was completed and funds were released smoothly. Our client was able to deploy the capital into several new international investments, including a commercial project in Europe and a private equity opportunity in the Middle East.
By retaining ownership of their London property, the client not only maintained exposure to one of the world’s strongest real estate markets but also enhanced their global portfolio’s liquidity and performance.
The structure of the facility allowed our client to access cash efficiently without disrupting their broader wealth plan or needing to liquidate any long-term holdings.
Reflecting on the Journey
This case shows how high-value property can be used intelligently to unlock capital for future growth. For clients who hold complex asset bases across multiple jurisdictions, flexibility and strategic lending are essential.
By working with a private bank through Million Plus Private Finance, our client benefited from a bespoke approach that high street lenders simply could not match. Every aspect of the solution was designed around the clients personal and financial objectives, ensuring a smooth process from start to finish.
Our expertise in private banking and our deep understanding of complex wealth structures allowed us to secure a solution that delivered both immediate liquidity and long-term stability.
Need Help with High-Value Property Refinancing
If you own a high-value property and are looking to release equity for investment or lifestyle purposes, Million Plus Private Finance can help. We specialise in arranging large-scale refinancing solutions through private banks and specialist lenders that understand high-net-worth and ultra-high-net-worth clients. Contact us today to discuss your refinancing goals and learn how we can help you unlock capital without compromising ownership.
